4540 Bayside Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 4540 Bayside Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,192 sqft · built 1994
Lot Size	0.569 acres (24,789 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Dec 2024)
Tax Bill	$9,760 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Transfer + 1 more
Flood Zone	Zone VE (high risk)
APN	`32-1N-29-0228-00000-0120`

Property Details

APN / Parcel Number

Primary APN	`32-1N-29-0228-00000-0120`
Alternative APN	`N291320228000000120`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,192 sqft Living Area
Gross Area	8,029 sqft
1st Floor Area	2,588 sqft
Upper Floors Area	1,604 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,789 sqft (0.569 acres)
Lot Width	110 ft Width
Porch	Unfinished Open Porch
Porch Area	895 sqft
Deck Area	557 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4540 BAYSIDE DR
City	MILTON
State	FL
Zip	32583-8422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 12 BAYSIDE AS DES IN OR 4570 PG 1466
Legal Range	29W
Legal Township	1N
Legal Section	32
Legal Subdivision	BAYSIDE
Legal Lot Number	12
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	3
Census Block	3023
Census Tract	10711

Owner

4540 Bayside Dr is owned and occupied by two individuals who bought it in December 2024.

Source: Santa Rosa County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4540 BAYSIDE DR, MILTON, FL 32583-8422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 30, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 28, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2024 · Amount on File
Deed Sale	Dec 12, 2024 · Amount on File
Prior Sale	Jul 28, 2022 · Amount on File
Deed Document Number	202455634
Deed Book / Page	4570 / 1466
Prior Transfer Date	Aug 24, 2023
Prior Transfer Doc	0044291400
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4540 BAYSIDE DR, MILTON, FL 32583-8422
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 BAYSIDE DR, MILTON, FL 32583-8422

Mortgage

Document Number	0047221299
Date	Mar 23, 2026
Book Page	4722/1299
Instrument	202614127

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 30, 2023
Property Address	4540 BAYSIDE DR, MILTON, FL 32583-8422
Document Number	0044291400
Book / Page	4429 / 1400
Map Reference	MB D PG 93-A & 93-B
Instrument Date	Aug 24, 2023
Instrument	202339616
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4540 BAYSIDE DR, MILTON, FL 32583-8422

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4540 BAYSIDE DR, MILTON, FL 32583-8422

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 28, 2022
Property Address	4540 BAYSIDE DR, MILTON, FL 32583-8422
Document Number	0043100256
Book / Page	4310 / 256
Map Reference	MB D PG 93-A&93-B
Instrument Date	Jul 5, 2022
Instrument	202244200
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	RELI SETTLEMENT SOLUTIONS LLC, RELI SETTLEMENT SLN LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4540 BAYSIDE DR, 4540, MILTON, FL 32583-8422

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4540 BAYSIDE DR, MILTON, FL 32583-8422

Mortgage

Document Number	0004310258
Date	Jul 28, 2022
Instrument	4310/258

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$931,342 (+17.21%) Land $118,800 Building $812,542	$931,342 (+0.17%) Land $118,800 Building $812,542
2024	$9,760.00 (-1.63%) Homeowner's exemption	$794,565 (+3%)	$929,770 (+20.53%) Land $89,100 Building $840,670
2023	$9,922.00 (+79.65%) Homeowner's exemption	$771,422 (+73.92%) Land $89,100 Building $682,322	$771,422 (+34.52%) Land $89,100 Building $682,322
2022	$5,523.00 Homeowner's exemption	$443,549	$573,452 Land $89,100 Building $484,352

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4540 Bayside Dr in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 71 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	15 (2020–2026)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 14 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 4540 Bayside Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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